PackageTrendsPeer
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Spokane City

Spokane, WA · Charter 89126

Q2 1997

$19.6MAssets
$14.4MLoans
$17.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.52%, down 25 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (+30 bps YoY).
  • Funding: loans stand at 83.75% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.52%-25 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.77%4.74%4.08%4.30%4.52%-25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a6.05%6.86%16.46%n/a
Loan Growth (YoY)n/an/a23.66%9.83%-0.23%n/a
Share Growth (YoY)n/an/a5.86%7.60%14.70%n/a
Asset Quality
Delinquent Loans / Loans0.30%0.38%0.90%1.01%0.60%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.32%0.38%0.31%0.24%-19 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares96.29%94.46%87.14%87.34%83.75%-1,254 bps
Liquid Assets / Assets9.32%6.63%16.81%15.14%19.57%+1,025 bps